Best cashback credit card deals
Cashback credit cards are not suitable if you never pay off your bill in full
If you pay your bill in full, get the credit card company to give you money back
If you pay off your credit card bill in full every month you can effectively enjoy free borrowing and don’t need to worry about credit card interest rates.
The best credit card for you is a cashback credit card, which give you back between 0.5% and 1.25% of your spending, either as a cash refund or knocked off your credit card bill once a year.
Our Which?-recommended cashback credit card deals charge no annual fees and are the best credit cards for those who always pay of their credit card bill in full.
Cashback credit cards are, however, generally not suitable if you don't pay off your bill every month as the interest you'll pay soon outweighs the cashback you earn.
| Best for cashback Cards that offer the best cashback rates | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Product | Which? recommended provider | % cashback on annual spending: | APR | Customer score | Find out more | ||||
| £0 to £1999 | £2000 to £3500 | £3501 to £7500 | Over £7501 | Max. cash back | |||||
| Average | 16.8% | 68% | |||||||
| American Express Platinum Cashback Cardb | No | 0.5% | 0.5% | 1%a | 1.25%a | No Max | 19.9% | 66% |  |
| This Best Rate card for cashback has the best introductory cashback rate on the market - 5% for the first 3 months (maximum £100). Make sure you pay off your monthly statement in full, with a high APR of 19.9% you could cancel out any cashback that you have earned. Amex score just below average in our Which? customer satisfaction survey. | |||||||||
| EGG Money World Cashback MasterCard |  | 1%a | 1%a | 1%a | 1%a | £200 | 17.8%c | 73% | Egg |
| The Egg Money World MasterCard comes with 1% cashback, but also charges a £1 a month fee which is included in its headline APR of 17.8%. Card purchases attract interest at 16.9% APR. It is worth deducting the annual fee of £12 from the annual cashback amount in the table to get an idea of the true amount of cashback once the annual fee is cancelled out. Egg score well in our Which? customer satisfaction survey with an overall score of 73%. | |||||||||
| Capital One World MasterCard | | 1%a | 1%a | 1%a | 1%a | No Max | 19.9% | 70% | Capital One |
| The Capital One World MasterCard comes with 1% cashback on all spend up to your credit limit each month. The card has a typical APR of 19.9% which includes an annual £18 fee, however there is also a £10 rebate that is paid back each year in January. The card actually charges 17.26% on purchases which is still relatively high, so its best to make sure you pay off your bill in full each month. Capital One score well in our Which? customer satisfaction survey with an overall score of 70%. | |||||||||
| Leeds BS MasterCard | No | 0.5% | 0.5% | 0.5% | 0.5% | £0 | 17.9% | n/a | Leeds BS |
| A standard cashback card from Leeds BS offering 0.5% cashback on all spend. The cashback you can earn is limited to your credit limit. Th card has a higher than average typical APR so its best to avoid borrowing on it, any interest accrued would eat into your cashback. The Leeds BS credti card is issued by BarclayCard that score a below average in our Which? customer satisfaction survey. | |||||||||
| Bank of Ireland (UK) Moneyback MasterCardd | No | 0.5% | 0.5% | 0.5% | 0.5% | £75 | 17.9% | n/a | Bank of Ireland(UK) |
| A standard cashback card that earns 0.5% cashback on spend up to an annual maximum of £75 (equivalent to a £15,000 spend). The card offers an average 6 months 0% introductory balance transfer deal charging a 2.98% transfer fee as well as a short 3 month 0%-on-purchases deal. There are better rates for cashback available on credit cards from American Express and Egg. | |||||||||
Table notes
Wherever we display a “MORE INFO” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
For all cards in the table exact rate depends on your credit score, also cashback is only available on spending up to credit limit each month.
- Rates have cashback of 1% or over
- Up to 5% cashback for the first 3 months (up to a maximum of £100). No cashback if you spend less than £3,000 in a year. To be eligible you need a household income of £30,000 (i.e. your personal income and partners income). American Express is not as widely accepted as Visa or MasterCard.
- Typical APR includes £1 monthly fee, purchase APR is 16.9%
- Also available as a Gold card with the same rates and features